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Auto Insurance Claims/Uninsured
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Question
My son did not have insurance and was recently hit by a drunk driver. His insurance cancelled due to non-payment. The drunk driver (3rd offense) took his mother's car without her knowing. He was not insured however, her car is. My son did seek medical care. Does he file the claim with his medical insurance or does her insurance pay his medical bills? Also, since he didn't have coverage, will her company pay for the damages to his car? I'm in Kansas.
Hello Melinda,
Well - this is bad news. First it is very important to determine if the son had permission. Permission is not only express, but also implied. If there is no permission, then her insurance company will decline your claim (both for the car and the medical bills).
Your auto policy nay have coverage for that. Contact a local lawyer for that.
See http://www.auto-insurance-claim-advice.com
Thanks.
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Answers by Expert:
Anne
Expertise
Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.
Experience
I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.
Education/Credentials
B.A. Economics/ Political Science
Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.
Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.
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